Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: F Adler (Phantom)

Excellent Pet Insurance

Excellent policy and service from Embrace. Have had them for several years - never a problem. Highly recommended.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Erica

Embrace is the best insurance I've…

Embrace is the best insurance I've had... even better than my own medical insurance. My dog has had aspiration pneumonia from drinking or eating too fast...they are quick to reimburse and respond if additional information is required.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Dianne

Very easy to submit a claim.

Very easy to submit a claim.
Read more on Trustpilot
3

out of 5

POSTED: | BY: Stephanie A.

Customer service was great but...

Customer service was great, but the actual coverage was extremely frustrating, time-consuming, and misleading. I had 90% coverage for 2024-2025, then jumped down to 70% 2025-2026. I had problems with my cat the first year and thought, ok cool, 90% is covered because it was within the dates. Wrong!! Apparently there's a period A MONTH BEFORE THE END OF THE POLICY where the "new" policy goes into effect. So after like FOUR months of waiting for my reimbursement (a whole other ordeal), it was the lesser amount because of some invisible clause. Frustrating.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Barbara Sills

I love Embrace

I love, love, love this company. My new little pup required extensive and expensive care and Embrace paid all my claims minus the deductible without question and promptly! I have talked about this company to my vet, and she is blown away about all the coverage. I used Embrace for my old nearly 19-year-old pup right up to her end of life and they even fully paid for her cremation and sent lovely notes of sympathy! With Embrace I know I can give my new pup all care and treatment she may need without worrying if I can afford it.
Read more on Trustpilot
Please leave a review

Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
Provider website

Get a quote today

Leave a review